| You try to be a good citizen. You maintain insurance | | | | up costs resulting from a flooded basement. You |
| policies on your home, your boat, your car and your | | | | may think you are covered because the flood came |
| health. You never make a late payment and you | | | | from a pipe, but if that pipe is a backed up water line |
| keep your insurance agent up-to-date when changes | | | | from outside your home, you will be out of luck. To |
| occur. So, how does someone like you end up | | | | get that type of coverage, you need an additional |
| getting an insurance claim denied? It seems so unfair | | | | rider on your policy. If you don't have a trustworthy |
| and it probably is more unfair than you know. | | | | insurance agent, find one. It will be well worth the |
| Insurance companies don't make any money when | | | | cost of switching policies to another company if your |
| claims are filed, and they are in business to turn a | | | | agent can help you file a watertight claim, so to |
| profit. It is in the best interest of the insurance | | | | speak. |
| company to find ways to deny claims, and they are | | | | Health insurance companies can be the most difficult |
| very good at it. | | | | of all to force into coughing up payment for a claim. |
| In the case of auto insurance, companies have many | | | | Their claim denials usually come at the worst time |
| tricks up their sleeves. When you buy a new car, you | | | | possible, and that may be by design. If you should |
| may only have a limited amount of time to add the | | | | happen to forget to sign even one necessary |
| car to your existing policy. If you miss the deadline, | | | | document, your coverage for an important procedure |
| well, the insurance company can deny your accident | | | | can be denied. Meanwhile, your health is left hanging |
| claim. You may have been in an accident and did not | | | | in the balance. So, the name of game with insurance |
| file the correct claim forms. Even though navigating | | | | companies is pay attention to the details, and don't |
| through the claims process on your own is virtually | | | | hesitate to enlist some legal help to get faster results. |
| impossible, the insurance company can still retain the | | | | The main thing to remember is that, when dealing |
| right to deny your claim for car repair reimbursement. | | | | with insurance companies, every "t" must be crossed, |
| With homeowner's policies the tricks aren't that much | | | | every "i" must be dotted, and your life will be much |
| different. The terms in these insurance policies are | | | | easier if you use an insurance company that will treat |
| quite confusing. You may file a claim to cover clean | | | | you with dignity and honesty. |